I've only been working for 10 years but I have 2x at 40. I also live a low consumption lifestyle, so I'm not worried at all, and my salary has gone up 50% in the past 4 years. I now make 120K and have about 250K in assets. I do run CC debt now, usually about 3-4K but only on 0% interest rates for large purchases like furniture and appliances, which i have had to make a lot of recently.
Sadly I most of my peers have nothing saved for retirement or like 1x at most... and live high consumption lifestyles. People who make half what I make spending like 2-3x as much. I save 25% of my take home. Most are depending on parental wealth inheritance to buy homes and pay for retirement.